407-951-8710
Individual Investor
Get Started
Am I Ready?
Let's get started with a question about your savings.
Do you have enough cash or easily accessible savings (e.g., savings or checking accounts, money market accounts, or other assets you could quickly access without significant penalty or loss) to cover your essential expenses, such as rent, food, insurance, and more?
No
Yes
Personal
Tell us about yourself.
How would you describe your investment experience?
I'm just getting started.
This will be my first investment account.
I'm a beginner and still learning.
I've done some research, but I'm new to investing on my own (0–2 years).
I know the basics and have hands-on experience.
I'm familiar with basic concepts like stocks, bonds, and mutual funds (2–5 years).
I'm comfortable making my own investment decisions.
I actively manage an investment account and feel comfortable making my own investment decisions (5–10 years).
I'm an experienced investor with deep market knowledge.
I've been investing for many years and have a strong understanding of financial markets, asset classes and investment strategies (10+ years).
Goal
Tell us about your investment goal.
When do you expect you will need to start withdrawing on these investments?
Less than 1 year
1-3 years
4-6 years
7-10 years
10+ years
In the next 12 months, how much of this investment do you think you’ll need to withdraw?
None
I do not anticipate needing this money in the next year.
Less than 10%
I might need a small amount in the near term.
Between 10% and 25%
I anticipate needing to withdraw a modest portion of my investment within the next 12 months.
Between 25% and 50%
I expect to withdraw a substantial portion of my investment within the next 12 months.
More than 50%
I intend to withdraw the majority of my investment within the next 12 months.
Risk & Change
Let's capture your attitude toward investment risk.
Inflation means that over time, everyday expenses such as groceries, gas and housing cost more. This can erode the value of your investments if they don’t grow fast enough to keep up. How do you think about balancing growth with the risk of short-term losses?
My priority is protecting what I have. I'm not trying to beat the market.
I'm satisfied with my investments generally keeping pace with rising prices, and I'd rather limit the potential for short-term losses even if it means limited growth.
I'd like a little more than just protecting what I have, but I don't want too many surprises.
I'm mostly focused on stability, but I'd welcome some modest growth potential above inflation. I can handle a small dip here and there, if it doesn't happen often.
I want my money to grow meaningfully, and I understand there will be some bumps along the way.
I'm comfortable with my investments fluctuating in value from time to time if it means a better chance of outpacing inflation over the long run.
I want solid growth, and I accept that short-term losses are part of that journey.
Beating inflation is a priority for me. I understand that the market has ups and downs, and I'm prepared to ride out those times in pursuit of stronger returns.
I'm aiming for maximum growth, and I can handle significant short-term swings.
I want my investments to significantly outpace inflation, and I'm willing to accept the possibility of short-term losses to pursue that goal.
Imagine you’ve invested a meaningful portion of your portfolio in securities (such as stocks, mutual funds or exchange traded funds). Over the next three years, the market drops sharply and loses half of its value. Your investments have dropped along with it. What would you most likely do?
I'd sell everything and get out.
I can't afford for my investments to decrease in value. I'd rather cut my losses and move to something safer.
I'd sell some but not all.
I'd want to reduce my exposure and limit further losses, but I'm not ready to walk away entirely. I'd sell a portion and keep the rest in case the market rebounds.
I'd hold on, but move some of it to more conservative options.
I know markets go through cycles, but a 50% drop would make me want to somewhat reduce my risk tolerance. I'd keep most of my investments in place, while shifting some into more conservative options.
I'd stay the course and hold everything.
I've seen markets recover before. While a downturn might be uncomfortable, I trust that things will improve over time and would resist the urge to react.
I'd see this as an opportunity to buy more.
Prices are low and I believe in the long-term potential of the market. I'd use this opportunity to invest more while valuations are down.
Now imagine the stock market has been slowly declining over the past year, steadily slipping by about 2% every month. By the end of the year, your investments are down 24%, and there’s no indication this decline will cease. What would you do at this point?
I'd sell and accept the 24% loss. I don't want to risk losing more.
The peace of mind matters more to me than waiting for a rebound.
I'd sell half and keep the rest.
I wouldn't want to be fully exposed to further losses, but I'm not ready to exit completely.
I'd hold what I have but pause on any new contributions for now.
I believe the market will eventually recover, but I prefer to wait for signs of stabilization before adding anything new.
I'd do nothing and wait it out.
I know markets can recover over time. I'd stay fully invested and trust the long-term trajectory.
I'd invest more.
I'd see this 24% decrease as an opportunity to increase my contributions. Lower prices potentially mean better long-term value.
Type of Recommendation
Choose which recommendation type is right for you.
How would you like your investment strategy to work over time?
I have a specific date in mind.
My portfolio should start with a greater emphasis on growth and gradually become more conservative as my target date approaches, automatically shifting to more potential stability and income over time.
I want to maintain a consistent level of risk.
My portfolio should be built around my chosen level of risk, whether that's conservative, moderate or aggressive. It should only change if I choose to adjust it.
Enter the amount of your initial investment into this account:
